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Credit Card Fraud #102771
07/13/2016 06:57 PM
07/13/2016 06:57 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
We just returned from BVIs 3 days ago and had a fabulous time. Trip Observation Report forthcoming.

In the meantime, I remember a recent thread on credit card fraud on cards used while vacationing in the BVIs.

Today I noticed fraudulent activity on one of the cards we used while vacationing. We only used this particular card approximately 3 times (AMEX and not readily accepted).

In any event for those whom encountered credit card fraud, what type of fraud and what did you do to resolve?

The fraud that happened to us is a new card was requested to be fedex-ed overnight as our card had been "lost". Fortunately I was alerted by email that our new card request had been processed and the card was on its way.

I called the credit card company immediately to report we did not report a lost card nor did we request a new card.

In order to request a new card (and convince the credit card company they were the owner of the card) the perpetrator would have to have personal information such as an address and DOB. This information was provided to one or possibly 2 vendors on this trip.

Has anyone else experienced this type of fraud?

BVI Sponsors
Re: Credit Card Fraud [Re: d_fish] #102772
07/13/2016 07:15 PM
07/13/2016 07:15 PM
Joined: Jul 2013
Posts: 372
Salida, CO
Riverfrontbrewer Offline
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Riverfrontbrewer  Offline
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Posts: 372
Salida, CO
With which establishments did you use this card?


[Linked Image]
Re: Credit Card Fraud [Re: Riverfrontbrewer] #102773
07/13/2016 07:26 PM
07/13/2016 07:26 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
I don't think it is right for me to state all the establishments we used this card because I am not sure where the card was compromised.

Lets just say I suspect the charges would have been for a form of transportation in which we would have to provide additional ID.

Re: Credit Card Fraud [Re: d_fish] #102774
07/13/2016 07:29 PM
07/13/2016 07:29 PM
Joined: Mar 2008
Posts: 8,526
Ya never know...
HillsideView Offline
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HillsideView  Offline
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Posts: 8,526
Ya never know...
Always pay cash at the ferry. Your cc info is on the street before you board the boat.


My foot fits right into my shoe and my shoe will fit right into your...
Re: Credit Card Fraud [Re: HillsideView] #102775
07/13/2016 07:37 PM
07/13/2016 07:37 PM
Joined: Sep 2006
Posts: 5,309
An island state of mind
tradewinds Offline
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tradewinds  Offline
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Posts: 5,309
An island state of mind
Yep, we always pay cash for the ferry since Native Son was breached a couple years ago.

Re: Credit Card Fraud [Re: d_fish] #102776
07/13/2016 08:14 PM
07/13/2016 08:14 PM
Joined: Oct 2009
Posts: 600
Memphis, BVI, CT
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RatmansWife Offline
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Joined: Oct 2009
Posts: 600
Memphis, BVI, CT
We had two cards breached this past year: one we think in San Juan, which was used at a restaurant in Brazil. The other was used at three retail establishments in Road Town and the breach was ordering something from Google in Calif. In both cases, the credit card companies picked it up as unusual activity.

Re: Credit Card Fraud [Re: RatmansWife] #102777
07/13/2016 09:14 PM
07/13/2016 09:14 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
What shocks me is that the perp could not answer the personal security key correctly - which was mothers maiden name and AMEX still sent out a replacement card. Who forgets their mothers maiden name - Red Flag Alert!!

I am sure AMEX most likely resorted to asking easier questions such as DOB, place of birth or zip code which would be contained in other forms of ID they would have had access to.

Not sure where the new card is being shipped to as AMEX will not divulge the information but at least it is cancelled.

Re: Credit Card Fraud [Re: d_fish] #102778
07/13/2016 09:20 PM
07/13/2016 09:20 PM
Joined: May 2002
Posts: 15,843
Tortola/ Sonoma, California
Manpot Offline
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Manpot  Offline
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Posts: 15,843
Tortola/ Sonoma, California
Beware of ferries and Cane Garden Bay..

Re: Credit Card Fraud [Re: d_fish] #102779
07/13/2016 10:12 PM
07/13/2016 10:12 PM
Joined: Nov 2014
Posts: 1,049
S
StormJib Offline
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Posts: 1,049
Quote
d_fish said:
What shocks me is that the perp could not answer the personal security key correctly - which was mothers maiden name and AMEX still sent out a replacement card. Who forgets their mothers maiden name - Red Flag Alert!!

I am sure AMEX most likely resorted to asking easier questions such as DOB, place of birth or zip code which would be contained in other forms of ID they would have had access to.

Not sure where the new card is being shipped to as AMEX will not divulge the information but at least it is cancelled.


If they only made the attempt to ship a new card to the member but never completed the activation the AMEX security magic all worked. With local cooperation AMEX security also may have tracked this all the way to the perpetrator. AMEX will go to great lenghts to get to the root of fraud.

Re: Credit Card Fraud [Re: d_fish] #102780
07/14/2016 10:46 AM
07/14/2016 10:46 AM
Joined: May 2008
Posts: 663
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Cleobeach Offline
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Quote
d_fish said:
We just returned from BVIs 3 days ago and had a fabulous time. Trip Observation Report forthcoming.

In the meantime, I remember a recent thread on credit card fraud on cards used while vacationing in the BVIs.

Today I noticed fraudulent activity on one of the cards we used while vacationing. We only used this particular card approximately 3 times (AMEX and not readily accepted).

In any event for those whom encountered credit card fraud, what type of fraud and what did you do to resolve?

The fraud that happened to us is a new card was requested to be fedex-ed overnight as our card had been "lost". Fortunately I was alerted by email that our new card request had been processed and the card was on its way.

I called the credit card company immediately to report we did not report a lost card nor did we request a new card.

In order to request a new card (and convince the credit card company they were the owner of the card) the perpetrator would have to have personal information such as an address and DOB. This information was provided to one or possibly 2 vendors on this trip.

Has anyone else experienced this type of fraud?


Are you sure the emails came from AMEX? I ask because we have received some amazingly real looking emails from AMEX that were actually fishing (am I using the right term?). Rough guess is we received 5-6 over the past three months. (I forward them all to Amex's fraud department)

One was asking me to approve a request for an additional card for "Joe", who is an employee of our company. Whoever did this was clever enough to obtain his name.

Our card numbers were stolen twice. Both times Amex caught it immediately and the only inconvenience to us was signing the new cards. And once I had to do a three-way call with AMEX and a police officer filing charges against someone using the stolen card. (a duplicate, not the actual original card.)

Re: Credit Card Fraud [Re: d_fish] #102781
07/14/2016 02:22 PM
07/14/2016 02:22 PM
Joined: Jul 2016
Posts: 3
S
sailingbvi15 Offline
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Posts: 3
No problems so far in the BVI....bareboating two weeks now for 14 different sailing vacations over 32 years.

Thanks for the heads up on Cane Garden Bay, and the BVI,

We just use cash, yankee green. Also, we do not use our credit card or debit on a constant basis on the mainland. The reason being we were hacked while living on Kauai Island for 9 years...now back in Dana Point, ca.

This was a debit card, and the bank card company called us for unusual activity, Belgium, New Jersey and some of the southern states.

We reacted immediately, headed to the bank, they stopped all of the charges, some for over $ 1000.00. So now we are very cautious about using either card, debit or credit except for travel companies, airlines, etc.

Too bad that things have gotten to this point, but we do what we all feel comfortable with.

Re: Credit Card Fraud [Re: sailingbvi15] #102782
07/14/2016 03:20 PM
07/14/2016 03:20 PM
Joined: Aug 2000
Posts: 68,388
Central Florida!
Carol_Hill Offline
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Carol_Hill  Offline
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Posts: 68,388
Central Florida!
Debit cards are VERY dangerous, if there are unauthorized charges. We don't ever carry a debit card..


Carol Hill
Re: Credit Card Fraud [Re: Cleobeach] #102783
07/14/2016 05:28 PM
07/14/2016 05:28 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
Yes Cleobeach I am sure the emails are from AMEX. I am the administrator on my husbands account and they asked all the right questions. I spoke to their fraud department no less than 4 times.

Re: Credit Card Fraud [Re: d_fish] #102784
07/14/2016 05:33 PM
07/14/2016 05:33 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
UPDATE:

I received a brand new, albeit deactivated AMEX card today via UPS on my doorstep. So that means that the perp was successful in requesting a replacement card, but was NOT successful in changing the address to where the card was sent - PHEW!

Still signing up with a credit monitoring service for 6 months or so just to be safe.

Re: Credit Card Fraud [Re: d_fish] #102785
07/14/2016 06:21 PM
07/14/2016 06:21 PM
Joined: May 2014
Posts: 109
Bozeman / Minneapolis
snowdog Offline
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snowdog  Offline
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Posts: 109
Bozeman / Minneapolis
I treat my credit cards like tools -- I have six cards and they each have a specific job to do. I use one card for travelling overseas. I use a second card for recurring charges (eg monthly utilities). I use a third card only for online retail transactions (eg Amazon). A forth is for business use only.... etc Frankly I am not really concerned about fraud. It is easy to watch the charges and I am not liable for charges I did not authorize. If a card is compromised, it only inconveniences a small portion of my financial life. Subsequently it doesn't really concern me to use a card at the Ferry or any other establishment in the islands. I never, ever, use a debit card.

Also, the advice on phishing emails is dead on. If you are not familiar with this fraud approach, please read more online.

Last edited by snowdog; 07/14/2016 06:23 PM.

s/v Snow Dog - Leopard 46
Re: Credit Card Fraud [Re: snowdog] #102786
07/14/2016 10:52 PM
07/14/2016 10:52 PM
Joined: Jan 2004
Posts: 328
Deep East Texas
Ontheboat Offline
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Ontheboat  Offline
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Posts: 328
Deep East Texas
Snowdog: Your approach is dead-on correct. Separating CC's to specific functions both narrows down possible fraud, but also allows you to control the attack.

When you receive an email that might be "phishing", simply put your mouse over the link and let it pop up what the link is really pointing to (if your email will do that). The text you see in a link, with an underline, is simply text...it's not necessarily where the link will send you.

My advise: If your CC sends you and email directing you to log onto their site: Don't click the link. Instead, go to your browser, and manually enter the website address where you want to go (www.chase.com, www.americanexpress.com, etc) and log in. That way, you know you are going to the real site.

We've been lucky in the BVI's. No CC issues. Worst we had was attempting to use an ATM outside Bobby's years ago and the bills were stuck together, so the machine would not spit them out. We called that bank and they killed the transaction.


Capt D (Caribguy)
s/v Mollie Jean
"When I go to heaven, I want to go from the islands..it's closer"
Re: Credit Card Fraud [Re: Ontheboat] #102787
07/16/2016 11:08 PM
07/16/2016 11:08 PM
Joined: May 2011
Posts: 441
East End, Tortola / Chicago
YachtReprise Offline
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YachtReprise  Offline
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Posts: 441
East End, Tortola / Chicago
In my 40 years of living in and travelling to the BVI my CC info was only stolen once.

Ironically, it was only used on a black Christian dating site. (Explain that to your wife!)

Re: Credit Card Fraud [Re: YachtReprise] #102788
07/17/2016 06:44 PM
07/17/2016 06:44 PM
Joined: Feb 2014
Posts: 80
Seattle, WA
mattt Offline
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mattt  Offline
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Posts: 80
Seattle, WA
We had a bunch of fraudulent charges on a card when we were in BVI. We had never used the card before, so it was definitely stolen in BVI.

I didn't post about it because I thought maybe it was a one-off, but I'd be happy to post which businesses I used the card with.

Re: Credit Card Fraud [Re: mattt] #102789
07/17/2016 06:45 PM
07/17/2016 06:45 PM
Joined: Feb 2014
Posts: 80
Seattle, WA
mattt Offline
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mattt  Offline
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Joined: Feb 2014
Posts: 80
Seattle, WA
Quote
mattt said:
We had a bunch of fraudulent charges on a card when we were in BVI. We had never used the card before, so it was definitely stolen in BVI.

I didn't post about it because I thought maybe it was a one-off, but I'd be happy to post which businesses I used the card with.


Also, sadly, I should add that I didn't take the ferry or go to any sketchy places. My card was definitely stolen at one of the respectable places the TTOL crowd frequents, because those were the only places we went to.

Makes me pretty sad.

Re: Credit Card Fraud [Re: mattt] #102790
07/17/2016 08:31 PM
07/17/2016 08:31 PM
Joined: May 2002
Posts: 15,843
Tortola/ Sonoma, California
Manpot Offline
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Manpot  Offline
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Joined: May 2002
Posts: 15,843
Tortola/ Sonoma, California
Post..folks need to know..

Re: Credit Card Fraud [Re: Manpot] #102791
07/18/2016 01:14 AM
07/18/2016 01:14 AM
Joined: Feb 2014
Posts: 80
Seattle, WA
mattt Offline
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mattt  Offline
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Posts: 80
Seattle, WA
OK. These are the places we used our card:

Tico
The ATM in front of Riteway
Riteway
ALGLINK (boat wifi)
French Deli
Cooper Island Beach Club
Leverick Bay Marina
The Restaurant at Leverick Bay
Cow Wreck Beach
Neptunes Treasure
Anegada Reef Hotel (an impression was made of the card here)

These were the only charges made before the fraudulent charges started showing up.

Re: Credit Card Fraud [Re: mattt] #102792
07/18/2016 01:16 AM
07/18/2016 01:16 AM
Joined: Feb 2014
Posts: 80
Seattle, WA
mattt Offline
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mattt  Offline
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Posts: 80
Seattle, WA
Quote
mattt said:
OK. These are the places we used our card:

Tico
The ATM in front of Riteway
Riteway
ALGLINK (boat wifi)
French Deli
Cooper Island Beach Club
Leverick Bay Marina
The Restaurant at Leverick Bay
Cow Wreck Beach
Neptunes Treasure
Anegada Reef Hotel (an impression was made of the card here)

These were the only charges made before the fraudulent charges started showing up.


Also, this card was used for the damage deposit at BVIYC

This bums me out, I want to believe all these places are trustworthy. But somewhere, one of them stole my card.

Re: Credit Card Fraud [Re: mattt] #102793
07/18/2016 10:41 AM
07/18/2016 10:41 AM
Joined: May 2008
Posts: 663
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Cleobeach Offline
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Posts: 663
Just curious, was it a bank ATM or one of those independent ones? Its fairly easy to lift numbers off ATMS.

A lot of theft occurs beyond the actual business location. Employees of the merchant services (the credit card transaction processor) sell huge blocks of card numbers/customer data. (I used to work at a bank with a merchant services division)

Re: Credit Card Fraud [Re: mattt] #102794
07/18/2016 10:44 AM
07/18/2016 10:44 AM
Joined: May 2008
Posts: 188
SF Bay Area
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OneEyedJack Offline
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Joined: May 2008
Posts: 188
SF Bay Area
I don't know who issues your debit cards, but ours have the same limits of liability as a cc (Wells Fargo). We have our debit card is set up as a "Travel Account" that we pre-load with funds and can transfer fund into it using text messaging where no account number information is exchanged. Also, this "Travel Card" cannot access any other of our checking and savings accounts I like using a debit card to control expenses. You pay for something once at the time of purchase and you don't have to look at a big cc bill the next month. Using the same text messaging service, I can instantly find out the balance remaining on the card. It's just like looking in your wallet and counting the bills so you know how much you have to spend. Others may not care for this approach, though.

Re: Credit Card Fraud [Re: Cleobeach] #102795
07/18/2016 10:55 AM
07/18/2016 10:55 AM
Joined: Aug 2000
Posts: 68,388
Central Florida!
Carol_Hill Offline
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Carol_Hill  Offline
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Joined: Aug 2000
Posts: 68,388
Central Florida!
ATM skimmer machines are pretty common, even in the US


Carol Hill
Re: Credit Card Fraud [Re: Carol_Hill] #102796
07/18/2016 11:11 AM
07/18/2016 11:11 AM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Joined: Jul 2007
Posts: 247
Tustin CA
Once I can log into our AMEX account (it is currently closed/locked until we set up new card), I will post where we used the compromised card. I think we used it only 3 times. I believe we only used it for transportation as we like the extra insurance benefits AMEX offers.

Also we used another card (Visa) primarily for restaurant purchases which include some of the establishments mattt used his card. Our Visa was not compromised. I will post the list later on today so that it eliminates suspicion against the vendors mattt frequented.

Re: Credit Card Fraud [Re: mattt] #102797
07/18/2016 11:12 AM
07/18/2016 11:12 AM
Joined: Jan 2015
Posts: 219
California
Sunnykm Online content
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Sunnykm  Online Content
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Posts: 219
California
Did the credit card have a chip?

Has anyone had any fraud on an chip enabled credit card? I am hoping the chip/pin will provide needed security to prevent lifting the number.

Re: Credit Card Fraud [Re: Cleobeach] #102798
07/18/2016 11:16 AM
07/18/2016 11:16 AM
Joined: Dec 2004
Posts: 1,143
Rincón PR
casailor53 Offline
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Posts: 1,143
Rincón PR
Quote
Cleobeach said:
Just curious, was it a bank ATM or one of those independent ones? Its fairly easy to lift numbers off ATMS.

It said the ATM in front of RiteWay. Assuming that's the big RiteWay in Pasea Estate, it's a Scotia Bank ATM.

Re: Credit Card Fraud [Re: Sunnykm] #102799
07/18/2016 11:20 AM
07/18/2016 11:20 AM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Joined: Jul 2007
Posts: 247
Tustin CA
Our card had a chip. However it wasn't used. Someone called into AMEX and reported the card lost. They requested a replacement card. They had enough information about my husband to fool AMEX into sending a card.

Maybe this is a new technique, hoping that they can receive a new card and use it before the card holder notices.

In any event, I have placed security alerts on all our credit cards. A great feature AMEX offers is a text message alerting you to your card not being present when used and who the merchant is. Visa also text messages me my balance every day so that I can keep track of expenditures.

Last edited by d_fish; 07/18/2016 11:21 AM.
Re: Credit Card Fraud [Re: d_fish] #102800
07/18/2016 11:27 AM
07/18/2016 11:27 AM
Joined: Feb 2014
Posts: 80
Seattle, WA
mattt Offline
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mattt  Offline
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Posts: 80
Seattle, WA
The card did have a chip.

I'm fairly certain what happened was that the card info was written down (or skimmed at the ATM in front of Riteway) and sold online. Because all the fraudulent purchases were made online without the chip.

I did get all the charges reversed, but I'll probably be using mostly cash in the future.

Re: Credit Card Fraud [Re: mattt] #102801
07/18/2016 04:24 PM
07/18/2016 04:24 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
The establishments we used the AMEX card are:

1. Native Son Ferry - St. Thomas
2. L&S Car Rental - Virgin Gorda
3. Little Switzerland - St. Thomas
4. Louis Vuitton - St. Thomas

If AMEX would tell me the security questions they asked the fraudster in order to send a replacement I could narrow down where the card info was lifted.

Both Native Son and L&S received additional personal information such as home address, DOB, place of birth, D/L number in which the fraudster could pretend to be my husband.

Native Son had access to passport information but not home address. I am not sure if when they scan the passport are they privy to such information.

I also wonder if L&S shreds their paperwork once the rental vehicle is returned. The form we fill out contains so much personal information including credit card number, exp date, 4 digit security number and information from D/L.

Regarding Mattt's list, we used Visa at the following locations and DID NOT have a problem:

1. Leverick Bay restaurant and marina
2. Cow Wreck Beach
3. Cooper Island Beach Club
4. French Deli

I want to clear suspicion on these establishments since this fraud issue was brought up in a public forum.

Re: Credit Card Fraud [Re: Sunnykm] #102802
07/19/2016 03:14 AM
07/19/2016 03:14 AM
Joined: Sep 2002
Posts: 3,489
Worcester, U.K. and Spain
Jeannius Offline
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Jeannius  Offline
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Posts: 3,489
Worcester, U.K. and Spain
Quote
Sunnykm said:
Did the credit card have a chip?

Has anyone had any fraud on an chip enabled credit card? I am hoping the chip/pin will provide needed security to prevent lifting the number.
Chip and Pin solves some problems but not all. If someone gets the card in their hand they can read the security code on the back and then use the card details to buy stuff from, for instance web sites. Make sure you keep hold of your card at all times. Make them bring the machine to you or go to where the reader is located and put the card in yourself.

We've had chip and pin cards for years in Europe but we still have credit card fraud.

P.S. Never yet happened to me despite spending years in the BVI and other more remote parts of the World.

Re: Credit Card Fraud [Re: Jeannius] #102803
07/19/2016 08:11 AM
07/19/2016 08:11 AM
Joined: Apr 2002
Posts: 5,125
GA/NC
GeorgeC1 Offline
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GeorgeC1  Offline
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I don't personally due this but I know several people who either take a pic of the card or write the security code down. They then black it out on the card.
G

Re: Credit Card Fraud [Re: GeorgeC1] #102804
07/20/2016 03:29 AM
07/20/2016 03:29 AM
Joined: Sep 2002
Posts: 3,489
Worcester, U.K. and Spain
Jeannius Offline
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Jeannius  Offline
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Posts: 3,489
Worcester, U.K. and Spain
Quote
GeorgeC1 said:
I don't personally due this but I know several people who either take a pic of the card or write the security code down. They then black it out on the card.
G
Very good idea George <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />

Re: Credit Card Fraud [Re: d_fish] #102805
07/20/2016 09:22 AM
07/20/2016 09:22 AM
Joined: May 2002
Posts: 15,843
Tortola/ Sonoma, California
Manpot Offline
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Manpot  Offline
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Posts: 15,843
Tortola/ Sonoma, California
Sadly Native Son seems to have a problem..use cash with them.

Re: Credit Card Fraud [Re: Manpot] #102806
07/20/2016 04:04 PM
07/20/2016 04:04 PM
Joined: Jul 2007
Posts: 247
Tustin CA
d_fish Offline OP
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d_fish  Offline OP
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Posts: 247
Tustin CA
I understand Native Son has had problems in the past, but I am just not sure on this one.

I tend to think the form we filled out with the car rental company wasn't shredded or disposed of properly and our information ended up in the wrong hands - the impersonator.

Again without AMEX letting me know the questions they ask to identify a card holder it makes it hard to determine what information the impersonator used. Both companies were privy to similar information but the car rental company had all the information neatly written out on a single piece of paper.

Re: Credit Card Fraud [Re: d_fish] #102807
07/20/2016 06:23 PM
07/20/2016 06:23 PM
Joined: Feb 2006
Posts: 1,026
Mobile & Orange Beach, Alabama...
LastMango Offline
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LastMango  Offline
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Posts: 1,026
Mobile & Orange Beach, Alabama...
It is always the merchant who ends up paying (by lost goods and services) for the fraudulent use of the card. My company has learned how to prevent it through the school of hard knocks, but many establishments don't employ robust prevention methods and that just allows the abuse to continue.


It must be time to race again. My wounds have started to heal.

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